Best banking services for young people
We provide daily banking services for young people aged 15–17 free of charge.Account for a young person’s money
A personal bank account is the basis of banking. You can open an account for a young person easily online, or the young person can open it themself for their earnings.
Debit card for easier everyday life
A card can be linked to the account, meaning that purchases will be debited directly from the account. It is also possible to pay using a phone if the card is linked to mobile payment apps.
Using online services is easy with OP's user ID
With the user ID, a young person can use OP-mobile and the op.fi service, pay online and in apps and use important services such as Kela, My Kanta Pages and the joint application system and entrance exams for schools.
Did you come to sign the application?
A child’s own account and card will help them to manage spending and saving
OP Debit, which is suitable for young people, can be used to pay for purchases in Finland, abroad and online. When a young person pays with a card, the card's balance is checked and the payment is debited directly from the account.
The card works in locations without Internet access, such as aircraft. Then, the account balance may be exceeded. It pays to set spending and withdrawal limits for a young person's account enabling a secure daily use. However, the young person can change the card’s withdrawal and spending limits with their personal user ID.
When an OP user ID is activated for a young person, they can personally monitor their account transactions and balance on OP-mobile and op.fi service, and confirm payments online through applications and when using services. They can also log into services requiring strong identification, such as the op.fi service, Kela and My Kanta Pages.
The card held by a person aged at least 13 years can be linked to Apple Pay. When the person has turned 16 years, their card can also be linked to Googly Pay, Samsung Pay and Garmin Pay.
How to activate banking services for 15–17 year olds
- Make sure that the young person has a valid personal ID document (passport or ID card) and personal phone number.
- You open an account and apply for a card by filling in an application together with the young person.
- A parent or parents sign the application using their own banking user ID.
The debit card and its PIN will arrive at home within 1–2 weeks.
This is how to a young person gets OP's user ID
- If the young person also wants to have OP's user ID, they must be picked up from a branch. When you have activated other services on the op.fi service, book an appointment with a branch. Select “Personal customer - Daily banking services - Minor's accounts, cards and user IDs” as the subject. Mention that the young person wants to have OP's user ID. Book an appointment
- With the parents' consent, the young person can visit a branch alone. Consent can be given while activating other banking services for the young person. A parent or parents can also join the appointment.
- Please take a personal ID document with you. The youngster must take an ID card or passport. A driving licence can serve as a personal ID for the parents. Read more about accepted personal ID documents
- At the appointment, OP's user ID will be given to the young person right away.